Cryptographic blockchains enable people to transfer value directly over the internet, inexpensively, almost instantly, without an intermediary, and with an immutable, public record. This technology might be the most important American financial innovation in decades. But like any financial product or innovation, its success depends on legal and regulatory clarity. It is past time for Congress to enact a clear framework for the sensible regulation of crypto. American financial markets have long been the most innovative in the world, thanks, in part, to our generally balanced and well-defined legal and regulatory frameworks including for our capital markets, enforced by the Securites Exc
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